ByDesign Financial Solutions'™ certified counselors are experts on a variety of personal finance topics, including budget and credit. Our counselors are available in-person, on the phone, and via the Internet to help you develop a plan to achieve your personal financial goals.

In a budget and credit counseling session, our counselor will review your current financial situation, establish personal financial goals and develop the best possible strategy to address your immediate needs as well as to achieve your financial goals.

Your counseling session may result in various action plans, depending on your particular situation. For instance, when appropriate, we offer customized Debt Management Plans (DMPs) that allow you to make one monthly payment to ByDesign.™ We disburse the payment to each of your creditors.

We can also help you understand the benefits and consequences of bankruptcy. Should bankruptcy be the most appropriate option to your personal financial situation, ByDesign™ can help you find bankruptcy attorneys who provide our clients with high-quality, ethical services at a fair price.

ByDesign can also assist you in understanding what’s on your credit report and how to build better credit. In a credit report review session, a certified counselor will review your credit report with you and provide valuable feedback on how to increase your credit scores, correct errors in your credit report and help protect your good name and identity.

If you have been a victim of identity theft, ByDesign™’s certified counselors can help you assess the damage and determine the best corrective action to dispute and resolve your identity theft problems as quickly as possible. We offer a wide variety of services to assist you, at all levels, from prevention to resolution of ID theft.